Monthly Archives: June 2014

Make AE tardy bosses a “cause of innocent merriment”.

Posted on June 18, 2014 by henry tapper

My object all sublime The stated purpose of auto-enrolment is to include 11m people currently excluded from pensions savings in good quality workplace pension schemes so they can receive more from the pensions system than their state pension entitlement. I … Continue reading →

Posted in auto-enrolment, pensions, Pensions Regulator | Tagged , , , , , , , , , , , | Leave a comment

Simplicity is not the same as clarity- what Josh is telling young entrepreneurs about pensions!

Posted on June 16, 2014 by henry tapper

With recent developments within the pension system, this is an exciting time to be involved in the industry because the recent changes are so fundamental that the landscape changing dramatically. Savers in DC schemes will no longer be required to … Continue reading →

Posted in Accelerator, advice gap, auto-enrolment, pensions | Tagged , , , | 1 Comment

Where have April stagers gone?

Posted on June 16, 2014 by henry tapper

Will auto-enrolment flower or blow up? NEST and other providers say the expected flow of April stagers has failed to materialise, raising concerns of widespread flouting of the law by employers. Now Standard Life is calling on the Regulator to … Continue reading →

Posted in auto-enrolment | Tagged , , , , , , , , , , , | Leave a comment

Help! Volunteers needed to pick up Pension Play Pen awards!

Posted on June 15, 2014 by henry tapper

  Here is an unusual request but one you might just be able to help me with- it isn’t onerous! The first week of July is Henley week and it’s traditionally a time when we take Lady Lucy down the … Continue reading →

Posted in IMIA Awards, pension playpen | Tagged , , , , , , , , , , , , , | Leave a comment

The public are in a “win-win” from pensions (for once) !

Posted on June 14, 2014 by henry tapper

  This report appeared in a recent edition of the Telegraph on the Monday before the Queen’s Speech. The insurers have suffered their fair share of turbulence so far this year. The shake-up of the annuities market unveiled in the Budget, … Continue reading →

Posted in actuaries, annuity, auto-enrolment, pension playpen, pensions | Tagged , , , , , , , , , , , | Leave a comment

Looks like the cost of buying a pension’s just gone through the floor

Posted on June 13, 2014 by henry tapper

Good news- one insurer has just slashed its pension prices to make income drawdown affordable for all. For years we’ve been told that income drawdown was too expensive a pension management system for all but the DC glitterati. The consensus … Continue reading →

Posted in pensions | Tagged , , , , , , , , , , , , , , , , | 4 Comments

“Accelerators” How a student wants to embed “pensions” in Britain’s start-ups

Posted on June 12, 2014 by henry tapper

I’ve written before about Josh Collins, a student who’s managed to get a first in mechanical engineering without sitting his  A levels (it’s hard to do exams when you are homeless from 16-18.) Josh sent me his thoughts on how … Continue reading →

Posted in Accelerator, Bankers, corporate governance, dc pensions, pensions | Tagged , , , , , , , , , , , | Leave a comment

This country needs a proper debate about old age

Posted on June 11, 2014 by henry tapper

Do we understand  how people want to get paid in retirement? Yesterday I wrote about the American 401K system and the risks taken by people who become too cautious as they become older. The value judgements implicit in the report … Continue reading →

Posted in annuity, CDC, Financial Education, pensions | Tagged , , , , , , , , , , , , , , , , | 5 Comments

Second mover advantage – UK can trump US 401(k)

Posted on June 10, 2014 by henry tapper

    Here’s an analysis of what’s going on in yankee-doodle-land, especially with their workplace pensions. Once again I’m grateful to Per Andalus for the prompt Commentators often point to the US 401K and IRA markets as models for the UK … Continue reading →

Posted in advice gap, auto-enrolment, dc pensions, pension playpen, pensions | Tagged , , , , , , , , | 2 Comments

We need to know ourselves to plan the future.

Posted on June 9, 2014 by henry tapper

For all the  talk of tax, longevity, inflation and investment returns, the technicalities of retirement  planning are of secondary importance. In this article , I put these technical issues in a broader perspective. If we are to have sponsored financial education in this country, … Continue reading →

Posted in pensions | Tagged , , , , , , , , , , , | Leave a comment